Home Loans & Mortgages

Get Preapproved Couple sits in their new home eating dinner amongst all the boxes, financed by UW Credit Union.

Fastest Ways to Get Started


Calculate Your Payments

Use this interactive calculator to explore your financial options.

Find out what you can afford and estimate your payments across our variety of home loan options.

>> Monthly Payment Calculator


Get Preapproved

Get preapproved for your home loan fast and easily at UWCU.

Complete Your 
FREE preapproval in under 15 minutes! Make it easier, by having this info handy.

>> Get Preapproved


Pick Your Path

No matter where you are in your homebuying journey, we’re here for you every step of the way.


First-Time Homebuyer

Get helpful information on buying your first home. 

Get Started

Experienced Homebuyer

Ready for your next home? Learn what to do next. 

Let's Go

Just Researching

Explore the Mortgage Learning Center for helpful info. 

Learn More

Loan Options

Explore and learn about all the types of mortgages we offer. When you apply, rest assured our experts will guide you by offering advice, recommending alternatives or creating a customized solution to meet your needs.

Adjustable-Rate Mortgages

Low-interest rates that may adjust after a fixed term.  

Fixed-Rate Mortgages

Steady fixed payments for the life of the loan. 

Construction Loans

Financing to build or rehabilitate a property. 

Government Loans

Options include FHA and VA Loans.

Explore All Options

Learn more about Home Loans in our FAQs.

Featured Rates

30-Year Fixed Rate

Rates as Low as

7 yr/6 mo Adjustable Rate Mortgage

Rates as Low as

View More Rates

Ask about our extended rate locks! Now available. 

Mortgage Loan Officer Top Tip

"Given today's market conditions, I oftentimes recommend ARMs to my clients instead of a Fixed-Rate option, It gives them more opportunity and flexibility." - Rick M, Madison, 20+ years experience


Explore the UWCU Mortgages closing cost offers available when you get your Home Loan through us.

The Lowest Closing Costs + More Discounts 

Don’t bother shopping around for the lowest closing costs. They’re right here.

Plus, take up to $1,250 more off1,2—and if you find lower costs somewhere else, we’ll make it worth your effort.** 

>> Explore Offers

Enjoy a Better Home Loan Experience

It’s no accident that more homebuyers choose UW Credit Union3. We’ve established ourselves as one of Wisconsin’s top lenders thanks to our streamlined application process, friendly mortgage experts and an unwavering dedication to serve our members

Benefit from:

  • An easy-to-use monthly payment calculator. Estimate your payments with a wide variety of home loan options.
  • A dedicated local team. Our mortgage loan officers deliver unparalleled support, keeping your home loan process simple and stress-free.
  • Easy loan management. Managing your loan and making payments is easy through Web Branch and the UW Credit Union mobile app.
  • Advice from home loan experts. Attend one of our free seminars/webinars to learn the ins and outs of homebuying.

WATCH: Discover the easy online application process.

Get in Touch

We want you to feel at home with your home loan. That's why our local experts are always ready to answer your questions, understand your goals and help you take a smart step forward.

Phone Number 

(800) 533-6773

Already started an application? Pick up where you left off.

ITIN Lending - UWCU is proud to accept ITIN for mortgage lending applications. 

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